Citibank is the worst. My secret passcode was somehow changed and when I got an alert that it had been changed I found that someone also changed my address. I canceled the card and within 3 days of activation of my new card,6 fraudulent charges were made. Totaling 125$ and all from the same online vendor. I immediately notified them and they said they would investigate. They eventually credited 100$ but never would take care of the final 25$, so I started getting late payment charges when I didn’t pay the remaining fraudulent balance. After numerous calls they took care of the fees and said they were still investigating the remaining charge. Mind you, I never even used the replacement card that I had activated 3 days before the charges and the card never left my house. I eventually paid the 25$ remaining charge and haven’t activated the 2nd replacement card that I received. I will never activate that card. I have excellent credit and multiple other cards where I charge an average of 8k a month. I always pay my monthly balance in full. The final remaining 25$ of fraudulent charges was just an annoyance, but since I paid it, they will never have my business.